Valley Empire Collection

Who is Valley Empire Collection?

Valley Empire Collection (VEC) is a debt collection agency based in Spokane Valley, Washington. Their main function is to recover unpaid debts on behalf of original creditors.

If you have an unpaid bill, your debt may be transferred or sold to a company like Valley Empire Collection, which could lead to them appearing on your credit report as a collections account.

Who does Valley Empire Collection collect for?

Valley Empire Collection works on behalf of a wide range of creditors to collect outstanding debts. Their client base includes entities in the banking sector, government agencies, legal entities with judgments, medical and dental offices, entities with open contracts, and utility companies.

Is Valley Empire Collection legit or a scam?

Valley Empire Collection is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by them about a debt, it’s important to verify the debt before making any payments.

How can I remove Valley Empire Collection from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Valley Empire Collection Contact Information

Address:

Valley Empire Collection
8817 E Mission Ave Suite 101
Spokane Valley, WA 99212

Phone number: (800) 669-8139

Should I contact or pay Valley Empire Collection?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Valley Empire Collection is to work with a credit repair professional. They help remove millions of negative items every year from companies like Valley Empire Collection on behalf of their clients.

Will Valley Empire Collection sue me or garnish my wages?

Valley Empire Collection, like any debt collection agency, has the legal right to sue you for unpaid debts. If they win a judgment against you in court, depending on the laws in your specific jurisdiction, they might be able to garnish your wages, levy your bank account, or employ other legal methods to recover the debt.

However, not all debts are eligible for these actions, and not all collection agencies will choose to sue. The process of going to court can be expensive and time-consuming, so it is often a last resort.

Valley Empire Collection Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Valley Empire Collection

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for Valley Empire Collection to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• Valley Empire Collection cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Valley Empire Collection must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• Valley Empire Collection cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Valley Empire Collection From Your Credit Report Today!

Credit Saint can help you dispute Valley Empire Collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.